I would definitely not do 25/50 limits, as an adjuster I see crappy limits like those get exhausted all the time. 100/300 is a solid policy I would recommend to anyone that drives more than 20 miles a week. It's simply not worth the risk.

I've been an auto liability insurance adjuster for three years and am licensed to handle claims in 46 states. If you have any questions don't hesitate to ask.